Credit Analyst
At West One, this role supports credit risk management through detailed analysis, portfolio monitoring, scenario modelling, and reporting on credit performance across all lending lines.
To provide detailed analysis and reporting on credit performance across all lending lines. The role will support credit risk management through portfolio monitoring, performance analysis, scenario modelling, and helping to shape system-based credit rules.
Key Accountabilities
- Monitor arrears, delinquencies, and other credit KPIs across portfolios.
- Conduct cohort, vintage, and segment analysis to identify emerging risks.
- Produce stress tests and scenario models to inform capital and provisioning strategies.
- Contribute to credit rule design and implementation for our origination system.
- Assist in producing monthly portfolio reviews,
- Support audits, regulatory reviews, and internal risk governance processes.
Skills & Competencies
- Strong data analysis skills and understanding of credit risk metrics.
- Ability to interpret trends and make actionable recommendations.
- Familiarity with credit scoring models and risk frameworks.
- High level of proficiency in Excel necessary.
Knowledge & Qualifications
- Previous experience in a credit risk, portfolio analysis, or lending performance role.
- Understanding of specialist mortgage and property finance markets.
- Degree in a numerate or analytical field preferred.
- Knowledge of IFRS 9, stress testing, and regulatory risk frameworks beneficial.
Personal Attributes
- Analytical and detail-oriented.
- Strong problem-solving skills.
- Comfortable working independently and as part of a team.
- Curious and eager to learn from data and trends.
- Department
- West One Loans
- Locations
- Watford
About Enra Specialist Finance
At Enra we believe that working together collaboratively is the best way to serve our customers and develop our colleagues. We are very focused on developing and maintaining our culture and remaining dedicated to the CREDIT values on which Enra was built: Customers, Results, Energy, Development, Invention and Teamwork. We live and breathe these values every day and want to ensure they underpin our future success. So, if you want to build a career in specialist finance, with an employer focused on providing brilliant customer service, lending responsibly, and creating a great office environment to develop its people, then look no further than Enra.